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A new study by WalletHub, a financial website, called New Jersey the second-worst state for doctors to live and work in, when compared with other states and the District of Columbia.

For the most part, that’s because of the competition in the area and the high cost of living.

The study looked at 12 factors, including wages, number of hospitals, number of physicians per capita, and number of insured. It also looked at work-environment issues, such as cost of malpractice insurance and number of payouts.

Oddly enough, New Jersey fared better overall when it came to work environment, ranking 31st in the country. This was despite the fact that its worst ranking -- 50th -- came in one of the factors in the work-environment category. That was due to having the second-highest (after New York) malpractice payouts per capita.